Join Date: Apr 2001
Location: Shakopee, MN, USA
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|On a related note, anyone had a UPS claim? I've had 2 in 3 years, both for electronics, and their immediate reaction in each is to deny the claim for poor packaging. After talking to a couple other people, I've heard identical experiences.|
|On a related note, anyone had a UPS claim?|
|Originally posted by thebland
They make their money by paying out as little as possible. It's that simple.
|Originally posted by Swampfox
...They will pay for damage to any equipment you have to policy limits, as well as any damage to policy limits. They will likely investigate as far as to exclude arson, assess monetary damages, and make you submit receipts for things that seem out of line with statistical data. (for example "$8,000 seems excessive for a pair of speakers since the national average is under $500, do you have a receipt?")...
|Originally posted by suffolk112000
We found out the hard way that we should have had a home-owners policy to properly cover our belongings and we are now out the money/tools because our agent sold us the wrong policy. We read the policy many months back when we originally purchased it, and then again after the break in. It seems now, every time I read the policy, I find a new way to interpret it wording.
|Originally posted by bwolff
I would have to say that most of the work that seems to be done by members of this forum would be considered over kill by most standards.
I did lose a home to a fire. It was because of wiring. It was an older home, and the work wasnâ€™t mine. The work wasnâ€™t visible, and I didnâ€™t have a dedicated theater. My new home is new so any work done beyond the final is defiantly mine.... If you realy think about it I would venture to say that over half of the finished basements and attics don't have a permit for them.
|Originally posted by HTnut
There are instances where perhaps a permit would not be possible depending on what you wanted to do. I have a garage that i desire to build a wall in front of the garage door. I inted to seal off the garage door and put the wall right behind it and make this an HT. My understanding is that in order to make this a "living space" per code i would have to pour an additional 4" of concrete in the garage. That cant happen since i then lose any chance of ever making it a garage again for resale. Now what about the wiring in this said wall? The wall itself wont be legal so how can i possibly get the wiring inspected??
|Thanks for your story. That was the kind of stuff I was curious about. Did the Insurance company question whether there you had done any "improvements"? Do you know if they actually determined whether the faulty wiring was original?|